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Halstead Bank, The

Halstead, KS · Cert 17451 · Williams Holding Co. Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$205.9MAssets
$145.0MLoans
$187.7MDeposits
$17.4MEquity
Loan mix
83%RE $97.4M10%C&I $11.9M7%Consumer $8.2MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $139.6M26%Noninterest $48.1MQ3 2024Q2 2026

Market Position · Wichita, KS · 2026 SOD (annual) · 0.8% share · #22 of 46 inst. · $0.2B of $23.2B

10.9% Harvey
0.4% Sedgwick

Executive Summary

  • Earnings: ROA of 1.35%, down 4 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.29% of loans (+28 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 8.56%, down 12 bps from a year ago.
  • Funding: loans stand at 77.26% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.35%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.28%+9 bps YoY

Efficiency Ratio (YTD, annualized)

59.34%+156 bps YoY

Tier 1 Leverage Ratio

8.56%-12 bps YoY

NIM

5.59%Q2 ’246.06%Q2 ’255.96%Q2 ’26+16%+2%

Non-interest income vs. expense

2.96%Q2 ’242.66%Q2 ’252.78%Q2 ’26-8%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%1.00%1.34%1.39%1.42%1.50%1.24%1.35%-4 bps
Return on Equity10.60%12.06%15.63%16.18%16.45%17.18%14.23%15.69%-50 bps
Net Interest Margin3.54%3.70%4.26%4.19%4.17%4.27%4.17%4.28%+9 bps
Efficiency Ratio70.51%67.30%59.21%57.78%57.38%56.32%62.49%59.34%+156 bps
Non-Interest Burden2.36%2.33%2.35%2.25%2.21%2.22%2.45%2.38%+13 bps
Growth
Asset Growth (YoY)9.24%8.90%15.21%7.77%12.30%6.43%8.39%5.79%-197 bps
Loan Growth (YoY)15.64%13.57%12.59%12.48%8.51%4.56%2.25%1.48%-1,100 bps
Deposit Growth (YoY)14.32%6.89%14.76%6.99%10.43%8.68%8.43%5.92%-107 bps
Asset Quality
Nonperforming Loans / Loans1.23%0.03%0.96%0.00%0.01%0.34%0.27%0.29%+28 bps
Net Charge-Offs / Loans0.04%0.05%0.01%0.02%0.03%0.02%-0.03%-0.01%-3 bps
Allowance / Loans1.16%1.16%1.18%1.18%1.25%1.29%1.36%1.37%+18 bps
Allowance Coverage of NPLs0.9x39.9x1.2x1692.0x102.9x3.8x5.0x4.8x-1687.2x
Capital
Tier 1 Leverage Ratio8.62%8.86%8.94%8.68%8.80%8.72%8.50%8.56%-12 bps
Total Risk-Based Capital12.34%12.34%12.20%12.22%12.93%12.78%13.18%12.57%+35 bps
Equity / Assets8.66%8.70%8.51%8.60%8.83%9.00%8.42%8.45%-15 bps
Liquidity & Funding
Loans / Deposits80.20%83.78%77.38%80.64%78.80%80.60%72.97%77.26%-338 bps
Liquid Assets / Assets3.79%4.35%10.40%8.29%11.91%9.97%14.68%9.81%+152 bps
CRE / Total Capitaln/an/an/an/a182.08%160.26%162.09%n/an/a